The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$95,256
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$98,219
−HK$3,010/mo
Today · 4.125%
HK$101,229
baseline
▲ 0.50% · 4.625%
HK$107,389
+HK$6,160/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,458/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,971
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,813
−HK$2,883/mo
Today · 4.125%
HK$111,696
baseline
▲ 0.50% · 4.625%
HK$117,584
+HK$5,888/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,392/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,307
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,863
−HK$3,612/mo
Today · 4.125%
HK$121,475
baseline
▲ 0.50% · 4.625%
HK$128,866
+HK$7,391/mo
Deposit HK$16.71M · loan HK$25.06M · min. income ≈ HK$242,950/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,165
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,576
−HK$3,460/mo
Today · 4.125%
HK$134,036
baseline
▲ 0.50% · 4.625%
HK$141,101
+HK$7,065/mo
Deposit HK$16.71M · loan HK$25.06M · min. income ≈ HK$268,072/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,358
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$137,506
−HK$4,215/mo
Today · 4.125%
HK$141,721
baseline
▲ 0.50% · 4.625%
HK$150,344
+HK$8,623/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$283,442/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,360
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$152,338
−HK$4,037/mo
Today · 4.125%
HK$156,375
baseline
▲ 0.50% · 4.625%
HK$164,618
+HK$8,243/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$312,750/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,460
−HK$10,753/mo
▼ 0.25% · 3.875%
HK$176,794
−HK$5,419/mo
Today · 4.125%
HK$182,213
baseline
▲ 0.50% · 4.625%
HK$193,300
+HK$11,087/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$364,426/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,748
−HK$10,306/mo
▼ 0.25% · 3.875%
HK$195,864
−HK$5,190/mo
Today · 4.125%
HK$201,054
baseline
▲ 0.50% · 4.625%
HK$211,651
+HK$10,597/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$402,108/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,402 · Scale 2, in force from 26 Feb 2026)